The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,359
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$486/mo
Today · 4.125%
HK$16,323
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$993/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$32,646/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,545
−HK$465/mo
Today · 4.125%
HK$18,010
baseline
▲ 0.50% · 4.625%
HK$18,960
+HK$950/mo
Deposit HK$3.37M · loan HK$3.37M · min. income ≈ HK$36,020/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$582/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,779
+HK$1,192/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,505
−HK$1,107/mo
▼ 0.25% · 3.875%
HK$21,054
−HK$558/mo
Today · 4.125%
HK$21,612
baseline
▲ 0.50% · 4.625%
HK$22,752
+HK$1,140/mo
Deposit HK$2.69M · loan HK$4.04M · min. income ≈ HK$43,224/mo (50% DSR)
Upfront cash ≈ HK$2.90M (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,503
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$22,172
−HK$680/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,390/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,922
−HK$1,292/mo
▼ 0.25% · 3.875%
HK$24,564
−HK$650/mo
Today · 4.125%
HK$25,214
baseline
▲ 0.50% · 4.625%
HK$26,543
+HK$1,329/mo
Deposit HK$2.02M · loan HK$4.72M · min. income ≈ HK$50,428/mo (50% DSR)
Upfront cash ≈ HK$2.22M (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,647
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$28,507
−HK$874/mo
Today · 4.125%
HK$29,381
baseline
▲ 0.50% · 4.625%
HK$31,168
+HK$1,787/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$58,762/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,757
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$31,582
−HK$837/mo
Today · 4.125%
HK$32,419
baseline
▲ 0.50% · 4.625%
HK$34,127
+HK$1,708/mo
Deposit HK$674K · loan HK$6.06M · min. income ≈ HK$64,838/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$202,074 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).